Policy & Risk Manager

Are you passionate about solving roadblocks & challenges faced by MSMEs in India?MSMEs contribute significantly to India’s total GDP. 90% of India’s ~$1 Trillion Retail Market is controlled by Micro, Small & Medium Enterprises (MSMEs). Which means ~$900B worth of commerce flows through these ~60M MSMEs in the form of shops/kiosks/homes, scattered all over the country. We at Khatabook, have a vision to empower MSMEs and help them increase their incomes. We have built a product that brings efficiency in MSME operations by providing them easy to use tools to manage their receivables, inventory and billing which creates transparency in their cash flow. Within the Khatabook platform, we have also enabled the facility to take loans for their short term working capital needs for select Khatabook users that are displaying good credit behavior. Our app has been downloaded over 100 Million times with a monthly active user base of 8 Million+ which are adding 220 Million+ transactions with a transaction value of $18 Billion.Why work with us?People are our biggest asset! At Khatabook, every one of us is a dynamic superstar. We have carefully bred an ecosystem which hires nothing but incredibly and exceptionally talented people who can dream, collaborate, experiment, and break new ground. We’re a strong team that looks out for each other.Your roleWe, at Khatabook, are looking for a Policy & Risk Manager who will support credit policy design, implementation and portfolio monitoring for Khatabook’s lending business. The role will focus on optimizing the balance between growth and portfolio quality through data-driven policy interventions and risk analysisWhat would you do at Khatabook?Support design and implementation of credit policies and risk guardrails across lending product which are aligned with the organization’s risk appetite and business objectivesAnalyze portfolio and customer segment performance to recommend policy refinements and business opportunities to maintain portfolio quality while enabling sustainable business growthLiaise with Business, Marketing, Analytics, Product, Technology, Underwriting and Fraud teams for policy implementation and monitoringTrack performance of policy changes and experiments through regular MIS and analysisMonitor portfolio KPIs such as approval rates, customer distributions and delinquency trends to identify early risk signalsMaintain policy documentation, approval logs, and governance recordsCoordinate with internal and external auditors on queries and drive timely resolutionCollaborate with external partners (service providers, credit bureaus, partner lenders) to drive implementation, clarify queries and and achieve desired objectives.What are we looking for4–6 years of experience in credit policy for retail lending preferably unsecured within Fintechs/ NBFCsCA / MBA (Finance) preferredExposure to digital lending processes is mandatoryExposure to unsecured lending products such as Business Loans (EMI/EDI/Supply Chain Finance) and Personal Loan products (EMI, BNPL, etc.) will be preferredUnderstanding of bureau-based underwriting, scorecards, and analytics-led decisioning frameworks will be an added advantageStrong analytical skills with proficiency in Excel and SQL would be a plusPreferred AttributesAnalytical and data-driven decision makingStrong ownership and execution orientationGood stakeholder management and influencing skillsAbility to balance growth and risk objectives in a fast-paced environment.